5691 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5691 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,828 sqft · built 2015
Lot Size	0.5 acres (21,780 sqft)
Owner	Trust Name on File
Last Sale	$530,000 (Oct 2020)
Tax Bill	$4,923 (2025)
Deeds & Mortgages	Dec 2023 Transfer Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`574908`

Property Details

APN / Parcel Number

Primary APN	`574908`
Alternative APNs	`390127 524515 0000` `529026` `88741`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,828 sqft Living Area
1st Floor Area	747 sqft
2nd Floor Area	801 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	177 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	529026
Street Address	5691 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	NE 1 ACRE IN SQ FORM EXCL OF RDS IN NE 1/4-EXC W 104.4 FT THEREOF
Legal Range	01
Legal Township	39
Legal Section	27
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1036
Census Tract	10504

Owner

5691 Elder Rd is held in a trust since December 2023.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Intrafamily Transfer, Transfer
Oct 29, 2020	Warranty Deed, Transfer · Conventional Mortgage KEYBANK USA
May 17, 2019	Deed of Trust, Mortgage · Line of Credit UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on File
Deed Sale	Oct 29, 2020 · Amount on File
Prior Sale	Oct 29, 2020 · Amount on File
Deed Document Number	0001005380
Last Transfer Date	Dec 13, 2023
Transfer Doc	0001200806
Record Updated	Jun 8, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Dec 13, 2023
Property Address	5691 ELDER RD, FERNDALE, WA 98248-9553
Document Number	0001200806
Instrument Date	Nov 17, 2023
Instrument	2023-1200806
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 29, 2020
Property Address	5691 ELDER RD, FERNDALE, WA 98248-9553
Document Number	2201005380
Instrument Date	Oct 21, 2020
Instrument	1005380
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,539.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4536 SE GLADSTONE ST PORTLAND OR 972063272, PORTLAND, OR 97206-3272

Mortgage

Document Number	2201005381
Date	Oct 29, 2020
Instrument	1005381

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 28, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5691 ELDER RD, FERNDALE, WA 98248-9553
Document Number	2191100448
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5691 ELDER RD FERNDALE WA 982489553, FERNDALE, WA 98248-9553

Mortgage

Document Number	2191100448
Date	Nov 5, 2019
Instrument	1100448

Lender

Name	UMPQUA BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5691 Elder Rd was $4,923.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,923.00	$632,178 Land $226,600 Building $405,578	$632,178 Land $226,600 Building $405,578
2022		$557,968 Land $200,000 Building $357,968	$557,968 Land $200,000 Building $357,968
2021	$4,064.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5691 Elder Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5691 Elder Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Pogozone powered by Neubeam Fiber · Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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